Is the loan of Huizhou Jierong Finance Company reliable?

1. Tianyancha failed to find this enterprise named "Huizhou Jierong Finance Company", and the closest name is a small and micro enterprise named "Huizhou Zhong Jie Financial Supplies Technology Development Co., Ltd."

2. Many people on the Internet reported that the loan platform of Huizhou Jierong Finance Company was a liar and submitted the bank card account number to him. The backstage will help you change a number and let you make money; Some netizens reported that "I have been certified twice, and all the social security card loans I made in reality at one o'clock this afternoon have arrived, and then I went to Jierong Financial Office. After authentication, it was revoked or frozen, saying that the credit was not passed. I am very surprised. In reality, regular bank loans can be passed, but why not on the platform? The difference between before and after 1 to 2 hours, I intend to go to the police station to file a case. "

1. Loan:

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

2. Judge whether the loan is reliable:

First, look at the company's qualifications first.

First of all, the business license name of a regular small loan company must contain the words "small loan", which can be verified by logging in to the credit information publicity system of enterprises in this province. Secondly, regular microfinance companies "only lend and don't save". Finally, you can check the registered capital of the enterprise. If the amount is too small, less than1million, be careful. It's rather suspicious to only fill in the telephone number column without writing a fixed number.

Second, whether to charge in advance?

Formal loan companies don't have to pay any fees when they borrow money, but only when they lend money. Don't believe those small companies that ask you to repay in advance with various excuses such as "down payment", handling fee and deposit when applying for a loan.

Third, is the audit too loose?

With the development of internet finance, credit testing is becoming more and more relaxed, but those who are too loose, the procedures are too simple, and the loan interest rate is too low to be attractive should be more careful. Generally speaking, no matter how well the advertisement is done, you can only borrow money with your ID card. In fact, in the actual lending process, you will also examine your personal income and credit situation. If you don't need to see anything, you can basically conclude that it is not very reliable.

Fourth, is the loan interest rate too high?

After choosing a company and avoiding so many loan traps, when you actually place an order and submit an application, you have to look at a serious problem-the loan interest rate. Interest rates are too low to be reliable, and too high is usury. How to judge? The new Private Lending Law stipulates that the annual interest rate of loans is protected within 24%, and it is illegal to exceed 36%. If the interest rate is too high, this kind of microfinance is not reliable.

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